Traditional IRAs

With a traditional IRA, income earners younger than age 70½ and their spouses can contribute to the account. Depending on their income levels, traditional IRAs offer tax deductions for all or part of their contributions.

If clients do not have access to an employer-sponsored retirement plan, they can contribute up to the annual limits, as long as the earned income is not exceeded. If they have access to an employer-sponsored retirement plan, IRA contributions may still be tax deductible, depending on the filing status and modified adjusted gross income.

Traditional IRA Topics
  • IRA Assets and Rollovers
    Education and tools to help you assist clients with IRA rollovers.
  • Net Unrealized Appreciation in a Nutshell
    How using Net Unrealized Appreciation can help manage taxes for retired clients who own employer securities in an employer-sponsored qualified plan.
  • Qualified Longevity Annuity Contracts
    Education and sales tools for Qualified Longevity Annuity Contracts (QLACs) that help clients create pension-like income and better manage taxes by delaying RMDs from a portion of retirement assets.
  • Required Minimum Distributions
    Education and sales tools to help manage RMDs (Required Minimum Distributions) for clients who own traditional IRAs, SIMPLE IRAs, and SEP-IRAs, or who participate in a qualified plan.
For Financial Professionals
For Use With Clients
Additional Tools
  • Calculators
    Run product illustrations online or use our online calculators to assist in tax planning, retirement planning, distribution planning, and investment fee comparisons.


Want to Talk Further on this Topic?

The Retirement Strategies Group, subject-matter specialists with advanced degrees and designations such as CFA®, CFP®, ChFC®, CLU®, and JD, are ready to help.

(800) 722-2333
In New York, (800) 748-6907



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Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

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Unless otherwise noted, all aforementioned money managers, their distributors, and affiliates are unaffiliated with Pacific Life and Pacific Select Distributors, LLC.

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Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company and an affiliate of Pacific Life & Annuity Company. 

The home office for Pacific Life & Annuity Company is located in Phoenix, Arizona. The home office for Pacific Life Insurance Company is located in Omaha, Nebraska.

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